Bolt12 is the new common interface to Bitcoin payments
Vincenzo Palazzo · @PalazzoVincenzo · Tue 13 Oct 2026 · 3:45–4:15 PM ET · Main stage · TABConf 8
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We spent years hiding that.
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Users never see the plumbing.
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Which protocol does your bank speak?
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The interface is shared.
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spark is great, until it's not.
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A shared mistake. A shared fix.
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Bolt12 is the account number.
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Publish once.
Check the blinded path before the tattoo.
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Between the layers.
Lightning · Spark · Ark · LSPs · ecash → one offer, one name
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₿you@domain → ark1…
ark1qzpq904am6clw3pgqwyh4p02708fy4xs0hcpwt7rwfdttuxsjamecfjuejh7a4eauna0vf2eegcw95w3dyjzl8gykpye50e9qneuwezqkp4yac
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₿you@domain → spark1…
spark1pgss8d9lf3p23g5a3ykayn5wseuqnjd2wkzfn3t7apck9nwnfkf0gvpn3h7y0t
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You just published your history.
docs.arkadeos.com/wallets/getting-started/arkade-addresses · docs.spark.money/wallets/privacy
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Same name. New wallet.
tabcon8@sonarprivacy.xyz · Breez Liquid → Cashu → Lexe
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Contacts. Names. Receipts.
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One offer.
tabcon8@sonarprivacy.xyz
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Old wallet. New wallet.
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Ark already pays offers.
Second · bark: Wallet::pay_lightning_offer (Ark → Lightning gateway)
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Spark: you're one step away.
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1. Pay offers.
CLN: xpay / fetchinvoice · LDK Node: bolt12_payment().send() · LND: LNDK
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2. Receive offers.
CLN: offer · LDK Node: bolt12_payment().receive() · LND: LNDK v0.3
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3. ₿you@yourdomain
BIP-353 · TXT at <user>.user._bitcoin-payment.<domain> → bitcoin:?lno=… (an offer, not a layer address)
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Links.
github.com/lightning/bolts/blob/master/12-offer-encoding.md
github.com/bitcoin/bips/blob/master/bip-0353.mediawiki
github.com/lightning/blips/blob/master/blip-0042.md
lightningdevkit.org
github.com/lightningdevkit/ldk-node
docs.corelightning.org
github.com/lndk-org/lndk
bolt12.org
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Make payments just work.
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Pretty straightforward, right?
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